Not sure how you could be hit with a Garnishment without Notice of a Lawsuit. I would get to a collection attorney and see if this can be vacated, or you could, if appropriate file for BK and wipe them out, ut you need to stop the Garnishment as soon as possible, so get assistance quickly.
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My office handles this kind of work. You are probably being garnished by the City Marshal, because there was already a judgment in your case. You need to contact an attorney and document the terms you entered into and the payments you made.
I'm curious if your "settlement stipulation" was made as a result of a lawsuit or just collection activity. In any case, depending on the terms of the stipulation, i.e. interest on balances, etc., you could be liable for interest or even the total original balance if you failed to complete the stipulation. It is important for any attorney to review the stipulation document especially to ascertain what you originally agreed to and whether the other party is adhering to the agreement properly. I regularly handle matters such as this.
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You should find out if there is a judgment entered against you. Seems there has to be if they are garnishing. If there is - was it the result of litigation? Were you served with a complaint? Did you ever appear in court? If the judgment was obtained without you receiving any notice of a lawsuit, then you could get it vacated. However it depends on the precise circumstances.
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